I have a mortgage and auto loan with Wells Fargo. I have never had any issues with either one. I use their app to make my payments and can view my accounts on line at any time. Both accounts have grace periods and I have always received courteous customer service. I've refinanced my mortgage once with no issues. I'd never go anywhere else!
You'd think I'd have learned from my first miserable, 16-week experience, but NO!, I had to torture myself again. "3-4 weeks to close" they said. "Here's the list of docs you'll need" they said. Hah! 6 weeks of "Just one more doc", finger pointing between the branch and Income Verification, and now sitting in Underwriting for Week 2 with zero communication.
If you're in a hurry forget it. If you love to copy or scan dozens of pages of documents, and make all the follow-up calls, then this is the game for you! Nice people, but severely broken processes. Week 8 and still not closed, with no end in sight...
I have an 805 Credit score and have worked in the same industry for 15 years, have been at my home for 5 years. I normally get the lowest interest rate on everything i apply for. 5/3 bank rep at the branch told m e the HELOC rates are a "touch" above 3. After i jumped through all the hoops, sent all the required info, they came back w/ a 5.25% rate. I was floored. My brother applied for one w/ a different bank and got a 2.99% rate. The rep went on to tell me that the lowest they can give anyone is 3.9%, because they do prime + .4%, which is still high and something he should have told me when i asked him in the 1st place before i applied. Look around at other banks and you can find a much cheaper rate.
I had an auto loan from them and even making payments on time they would still call and pester me about payments all the time. I had to take a block all MILLIONS of their numbers. Their customer service is horrible. If you get someone its an indian and you can't understand them. Their payments, if you give them your bank account info are withdrawn earlier and earlier each month. After the second year I figured out that I had made a whole extra payment because they were shaving a few days off each month. So the first month it would be due the 15th then next month the 11th then the next the 6, etc. After 2 years I added up all the payments and I had made 25 payments in 2 years. What a sham! They are a horrible company and I am GLAD to be rid of them. I had to pay the loan off early, 3 years early to get them to quit with the harassment. Hope this company goes under...
I'm unhappy they I have to get them 1 star, this company gets NONE!
Stay away from PNC , had a house loan with them for 5 years and needed to refinance from a 15 yr to a 30 year , same bank same loan same people. Said I didn't qualify for the loan, WTF ?????? Wouldn't work with us, stole our house legally. They have no morals . Since then I have built a home out of pocket . It's smaller but paid for. PNC took bail out money and my home for free. Only Americans do this to people. I'll never use a lender again. If I can't pay cash then I don't need it .
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